Luxembourg | Aurato

Luxembourg
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Cross-border workers and international finance make Luxembourg’s high GDP per capita an imperfect household-spending proxy. Its small resident market uses euro-area cards, SEPA transfers and direct debits, linking domestic commerce to the European banking and payment environment.

Population

687K

GDP

$101B

GDP per Capita

$147K

GDP Growth

0.6%

Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in Luxembourg

Luxembourg used cash for 39% of point-of-sale purchases in 2024, below the euro-area average and down from 2022. Cards lead more frequently, while cash in euros continues to be relevant despite the cross-border banking profile.

ATMs (PER 100K)

63.1

BANKS (PER 100K)

44.6

DEBIT CARDS (PER ADULT)

17.4

CREDIT CARDS (PER ADULT)

5.2

Compare

IMF, Financial Access Survey (FAS), 2025